| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +39.0% | +1.3% | +37.7 pts |
| Share growth (YoY) | +42.5% | +0.7% | +41.8 pts |
| Loan growth (YoY) | +30.5% | -2.4% | +32.8 pts |
| ROA | 0.69% | 0.60% | +0.1 pts |
| ROE | 12.8% | 4.1% | +8.7 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.6M | $1.5M | $1.3M | $85K | $3K | 0.69% | 2.16% | 0.89% | 279 |
| Q4 2025 | $1.6M | $1.6M | $1.2M | $83K | $-137 | -0.01% | 2.47% | 1.65% | 282 |
| Q3 2025 | $1.5M | $1.4M | $1.1M | $91K | $8K | 0.72% | 2.85% | 1.60% | 279 |
| Q2 2025 | $1.4M | $1.3M | $1.0M | $91K | $8K | 1.12% | 3.16% | 0.58% | 275 |
| Q1 2025 | $1.1M | $1.1M | $964K | $88K | $5K | 1.83% | 4.30% | 1.47% | 265 |
| Q4 2024 | $1.1M | $1.0M | $1.0M | $83K | $-2K | -0.14% | 2.78% | 0.00% | 261 |
| Q3 2024 | $1.1M | $997K | $979K | $78K | $-6K | -0.74% | 2.59% | 0.09% | 261 |
| Q2 2024 | $1.1M | $981K | $880K | $82K | $-2K | -0.38% | 2.16% | 0.93% | 259 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $824K · securities $105K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 0.60% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 4.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.16% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 81.5% | 28th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.